Underwriter

Location: Swiss Cottage, London(happy to talk hybrid working)

Salary: £45,000 - £55,000

Hours: 9:30 – 17:30

Reporting To: Head of Underwriting

Job Type: Full Time

The Company

KSEYE Group is an established bridging finance company specialising in the bridging and short-term lending markets. Following continued success and growth the company is now keen to welcome an experienced Underwriter into its growing bridging Underwriting team. If you enjoy working as part of a team, in a deadline driven environment and have strong organisational, communication and relationship management skills, please apply.

Responsibilities

• Underwrite both bridging and development loan applications within company lending criteria and funding partner guidelines by employing quality and clear lending decisioning.
• Take a lead on development finance deals and provide oversight and development to other underwriters with less development experience.
• Manage a pipeline of cases in a fast-paced environment, dealing with a high-volume workload, prioritising key tasks to meet deadlines accordingly whilst maintaining excellent customer service throughout.
• Using commercial acumen and a pragmatic approach to find appropriate mitigation of risks where possible, with support and oversight from the Head of Underwriting and Directors.
• Preparing Credit Papers to a high standard, detailing the purpose, key components and decisioning, concluding with your recommendation for each loan application.
• Assess new enquiries, structuring and pricing these cases as well as highlighting the conditions required for us to support the loan.
• Managing all cases through from enquiry stage to completion in a timely and efficient manner.
• Preparing and Reviewing Loan Documentation to be circulated to third party stakeholders.
• Identify and be alert to the risks attributed to the loan application including fraud and money laundering.
• Build and maintain strong relationships with brokers, valuer, and solicitor partners as well as internal stakeholders.
• Follow and keep up to date with current best practice and regulatory requirements in line with company training.
• Keep all internal systems up to date, inclusive of effective record keeping and accurate notes.

Education & Experience

• Bridging, development or short-term lending and property related lending underwriting experience.
• Strong knowledge and understanding of the various types of development finance and actively managing/underwriting the full process.
• Excellent understanding of compliance aspects of the role, MCOB, and CCA.
• Detailed understanding of organised fraud and measures/systems in place to avoid it.
• Ability to adopt a pragmatic approach to underwriting ideally with a specialist lender.
• Proactive, hardworking, flexible, and able to work under own initiative but also as a team player.
• Demonstrate a full understanding of TCF, Responsible lending and regulatory knowledge applicable to the role.
• Ability to prioritise effectively to manage several time critical tasks at one time.
• Commercially aware with excellent interpersonal and communication skills.
• Flexible approach to working to meet the needs of the business.

Company Benefits

• Private Medical Insurance [Vitality]
• Cycle to Work scheme
• Discretionary annual bonus
• Holiday buy back scheme
• Monthly team socials
• Summer & Winter Company socials
• Hybrid working
• Employee of the month rewards
• Fundraising events

Equal Opportunities

KSEYE Group is an equal opportunities employer and is committed to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

Should you have any questions or require additional information, please contact careers@kseye.co.uk and a member of the team will be in touch in due course.

Job Types: Full-time, Permanent

Salary: £45,000.00-£55,000.00 per year

Benefits:

• Additional leave
• Bereavement leave
• Company events
• Company pension
• Cycle to work scheme
• Enhanced maternity leave
• Enhanced paternity leave
• Flexitime
• Health & wellbeing programme
• Private medical insurance
• Work from home

Schedule:

• Monday to Friday

Supplemental pay types:

• Yearly bonus

Work Location: Hybrid remote in London